Credit Repair
Dispute inaccurate items, reduce what is dragging your score down, and move toward the approval you need.
Every month with bad credit costs you money
Find out what is really on your credit report.
Book a free consultation with Angelo Garay. He will walk through your report, show you what lenders see, and give you a price and a plan — all on one call.
Book Free Consultation
Free · No pressure · No commitment
Free instant download · No spam
See what lenders see on your report
Get your real price in one call
Walk away with a plan that fits
Repair, education, and strategy under one roof
Your credit problem has a fix. Here is how we find it.
Every file is different. Angelo matches you with the right service based on what is actually on your report and where you are trying to go.
See Which Service Fits YouCredit Education
Understand how credit actually works so you never end up back in this position after your file is clean.
Credit Consulting
Get someone in your corner. Ongoing strategy built around your goals, your timeline, and the decisions ahead.
5 years · 300+ clients · nationwide
Angelo has seen your situation before. Hundreds of times.
Angelo Garay has spent over five years reading credit reports, building strategies, and helping people get from denied to approved. This is not a call center. You work directly with him.
Talk to Angelo DirectlyBuilt to get you to
Stop renting and buy your home
Built to get you to
Refinance and lower your payment
Built to get you to
Qualify without overpaying on rates
5+
Years repairing credit
300+
Clients served
100%
Remote-friendly
From first call to action plan
Three steps. No runaround. You know where you stand before you hang up.
The consultation is free, takes about 15 to 30 minutes, and covers everything on your report.
Angelo tells you which items to address first, what the realistic timeline looks like, and what it will cost.
If you decide to move forward, your program is matched to the number and severity of the items on your file.
1
Pick a time and book
Choose a day that works, share a few details, and your free consultation is locked in. Takes under two minutes.
2
Angelo reviews your report
On the call, Angelo walks through every negative item on your file. You will know exactly what is holding you back.
3
Get your price and your plan
You leave with a specific recommendation, a price matched to your file, and the next step to move forward.
Honest pricing. No hidden fees.
Your price matches your file. You see it before you commit.
Programs range from $249 to $2,000 based on the number and severity of negative items. Angelo gives you your exact price on the consultation — no surprises after you sign up.
Get Your Exact Price1 to 5 negative items
Starting at $249
6 to 19 negative items
Starting at $579
20 to 30 negative items
Starting at $1,200
30+ items with repossessions
Starting at $1,600
40+ items with bankruptcy or liens
Starting at $2,000
Common questions
Angelo answers the questions people ask most.
Pricing, timeline, what to expect on the call, and whether this is right for your situation.
Still Have Questions? Book a CallPrograms range from $249 for simple files (1 to 5 items) up to $2,000 for complex cases with bankruptcies or liens. Your exact price is determined on the consultation based on what is actually on your report.
Most clients see their first inaccurate or unverifiable items removed or updated within 30 to 90 days. Full timelines typically run 3 to 6 months depending on the number and type of items.
Collections, charge-offs, late payments, repossessions, medical bills, bankruptcies, tax liens, and judgments. If it is inaccurate, outdated, or unverifiable, it gets challenged.
Angelo reviews the negative items on your report, explains what lenders see, gives you a price based on your file, and walks you through the recommended next step. No pressure, no obligation.
Anyone who wants to buy a home, refinance, qualify for better rates, or stop getting denied. If negative items on your report are standing between you and an approval, this is for you.
Yes. Active SmartCredit monitoring ($30 per month) is required if you move forward with a program. It lets Angelo track changes to your file and submit disputes based on real-time data.
Angelo Garay has been repairing credit for over 5 years and has worked with 300+ clients nationwide. Tailor Your Credit is a registered business serving clients across the US.
Yes. Under federal law (the Credit Repair Organizations Act), you have the right to cancel any service agreement within 3 business days of signing for any reason, with no penalty and a full refund. Beyond that window, you are never locked in — you can pause or stop at any time. A $79.99 reactivation fee applies if you restart after a pause due to missed payments.
That is exactly when most people reach out. A denial does not mean you are stuck. It means there are specific items on your report that need to be addressed before you apply again.
No one can legally guarantee specific credit outcomes. What Angelo guarantees is a thorough review of your file, honest pricing, and a strategy built around what is actually on your report.
Your credit is not going to fix itself
Your next approval starts with one call.
Every month with unresolved items on your report is another month of higher rates, denied applications, and missed opportunities. Book the call and find out exactly where you stand.
Book Your Free Consultation Now
Free · No pressure · No commitment
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